Ohio Auto Insurance Requirements

As a motor vehicle operator and resident of Ohio, you need to know that you are financially responsible for any personal injury and/or property damage that you cause in an automobile accident. This sort of state is referred to as a “Tort” state.

Ohio gives you a few different ways to prove that you can pay in the event of an accident:

• Post a cash bond in the amount of $30,000.
• Post a real estate bond in the amount of $60,000.
• Purchasing the minimum liability insurance of 12.5/25/7.5 (see the chart below)

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Most drivers opt for the liability insurance.

Please note that these are very low minimums. You might want to consider purchasing higher levels of coverage, especially if you have a family and/or assets to protect.

Ohio drivers are also able to increase their auto insurance protection by purchasing one or more of the following options: collision, comprehensive, medical payments, as well as uninsured and underinsured motorists bodily injury coverage.

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Auto Insurance for Leased Vehicles in Ohio (OH)

Most leasing companies in Ohio typically require drivers to maintain insurance coverage which exceeds the minimums set by Ohio state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:

• Bodily injury liability coverage: $100,000 per person/$300,000 per accident
• Property damage liability coverage: $50,000
• Comprehensive and collision coverage: $500 maximum deductible

Read about special considerations for drivers in:

• Cincinnati
• Columbus

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**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.

Last Updated: August 19, 2010